Türkiye · TRY · Pension guide
Türkiye retirement calculator
Use the SGK estimate appropriate to your insurance category and compare it with a budget in Turkish lira. Explore the effect of inflation on accessible savings.
Jump to calculator ↓ Understand the pension system
What can this calculator estimate?
It compares spending, manually entered pensions and accessible savings in TRY, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
Compare invented scenarios. Amounts are not forecasts or entitlement calculations.
View results ↓Worked example. Change the inputs to explore your plan.
From age 65 to 66 · 12 modelled months · TRY
12-month retirement spending estimate
TRY 534,316
After tax · today's money
- Income you entered
- + TRY 0
- From savings or pension pot
- + TRY 534,316
A level budget through age 95 under your assumptions. It can use up savings and leaves no inheritance reserve. Review each year; this is not a guaranteed spending amount.
See the 12-month breakdown
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
| Month | Income you entered | From savings or pension pot | Spending budget | Savings left |
|---|---|---|---|---|
| 1 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 12,114,441 |
| 2 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 12,089,534 |
| 3 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 12,064,586 |
| 4 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 12,039,599 |
| 5 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 12,014,570 |
| 6 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,989,501 |
| 7 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,964,392 |
| 8 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,939,242 |
| 9 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,914,051 |
| 10 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,888,819 |
| 11 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,863,546 |
| 12 | TRY 0 | TRY 44,526 | TRY 44,526 | TRY 11,838,233 |
Savings left after 12 months: TRY 11,838,233
How this budget is calculated ↗The projection below follows your entered spending or withdrawal plan; this budget is a separate estimate.
Accessible savings at retirement · 65
TRY 12,139,308
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 87.8. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | TRY 165,000 | TRY 109,321 | TRY 0 | TRY 0 | TRY 0 | TRY 5,774,321 |
| 47 | Saving | TRY 165,000 | TRY 114,700 | TRY 0 | TRY 0 | TRY 0 | TRY 6,054,020 |
| 48 | Saving | TRY 165,000 | TRY 120,184 | TRY 0 | TRY 0 | TRY 0 | TRY 6,339,204 |
| 49 | Saving | TRY 165,000 | TRY 125,776 | TRY 0 | TRY 0 | TRY 0 | TRY 6,629,980 |
| 50 | Saving | TRY 165,000 | TRY 131,477 | TRY 0 | TRY 0 | TRY 0 | TRY 6,926,457 |
| 51 | Saving | TRY 165,000 | TRY 137,291 | TRY 0 | TRY 0 | TRY 0 | TRY 7,228,748 |
| 52 | Saving | TRY 165,000 | TRY 143,218 | TRY 0 | TRY 0 | TRY 0 | TRY 7,536,966 |
| 53 | Saving | TRY 165,000 | TRY 149,261 | TRY 0 | TRY 0 | TRY 0 | TRY 7,851,227 |
| 54 | Saving | TRY 165,000 | TRY 155,423 | TRY 0 | TRY 0 | TRY 0 | TRY 8,171,650 |
| 55 | Saving | TRY 165,000 | TRY 161,706 | TRY 0 | TRY 0 | TRY 0 | TRY 8,498,356 |
| 56 | Saving | TRY 165,000 | TRY 168,112 | TRY 0 | TRY 0 | TRY 0 | TRY 8,831,468 |
| 57 | Saving | TRY 165,000 | TRY 174,644 | TRY 0 | TRY 0 | TRY 0 | TRY 9,171,112 |
| 58 | Saving | TRY 165,000 | TRY 181,303 | TRY 0 | TRY 0 | TRY 0 | TRY 9,517,415 |
| 59 | Saving | TRY 165,000 | TRY 188,094 | TRY 0 | TRY 0 | TRY 0 | TRY 9,870,509 |
| 60 | Saving | TRY 165,000 | TRY 195,017 | TRY 0 | TRY 0 | TRY 0 | TRY 10,230,526 |
| 61 | Saving | TRY 165,000 | TRY 202,076 | TRY 0 | TRY 0 | TRY 0 | TRY 10,597,602 |
| 62 | Saving | TRY 165,000 | TRY 209,274 | TRY 0 | TRY 0 | TRY 0 | TRY 10,971,876 |
| 63 | Saving | TRY 165,000 | TRY 216,612 | TRY 0 | TRY 0 | TRY 0 | TRY 11,353,489 |
| 64 | Saving | TRY 165,000 | TRY 224,095 | TRY 0 | TRY 0 | TRY 0 | TRY 11,742,584 |
| 65 | Saving | TRY 165,000 | TRY 231,724 | TRY 0 | TRY 0 | TRY 0 | TRY 12,139,308 |
| 66 | Retirement | TRY 0 | TRY 232,115 | TRY 0 | TRY 660,000 | TRY 0 | TRY 11,711,423 |
| 67 | Retirement | TRY 0 | TRY 223,725 | TRY 0 | TRY 660,000 | TRY 0 | TRY 11,275,148 |
| 68 | Retirement | TRY 0 | TRY 215,171 | TRY 0 | TRY 660,000 | TRY 0 | TRY 10,830,319 |
| 69 | Retirement | TRY 0 | TRY 206,449 | TRY 0 | TRY 660,000 | TRY 0 | TRY 10,376,768 |
| 70 | Retirement | TRY 0 | TRY 197,555 | TRY 0 | TRY 660,000 | TRY 0 | TRY 9,914,323 |
| 71 | Retirement | TRY 0 | TRY 188,488 | TRY 0 | TRY 660,000 | TRY 0 | TRY 9,442,811 |
| 72 | Retirement | TRY 0 | TRY 179,243 | TRY 0 | TRY 660,000 | TRY 0 | TRY 8,962,054 |
| 73 | Retirement | TRY 0 | TRY 169,816 | TRY 0 | TRY 660,000 | TRY 0 | TRY 8,471,870 |
| 74 | Retirement | TRY 0 | TRY 160,205 | TRY 0 | TRY 660,000 | TRY 0 | TRY 7,972,074 |
| 75 | Retirement | TRY 0 | TRY 150,405 | TRY 0 | TRY 660,000 | TRY 0 | TRY 7,462,479 |
| 76 | Retirement | TRY 0 | TRY 140,413 | TRY 0 | TRY 660,000 | TRY 0 | TRY 6,942,891 |
| 77 | Retirement | TRY 0 | TRY 130,225 | TRY 0 | TRY 660,000 | TRY 0 | TRY 6,413,116 |
| 78 | Retirement | TRY 0 | TRY 119,837 | TRY 0 | TRY 660,000 | TRY 0 | TRY 5,872,953 |
| 79 | Retirement | TRY 0 | TRY 109,245 | TRY 0 | TRY 660,000 | TRY 0 | TRY 5,322,198 |
| 80 | Retirement | TRY 0 | TRY 98,446 | TRY 0 | TRY 660,000 | TRY 0 | TRY 4,760,644 |
| 81 | Retirement | TRY 0 | TRY 87,435 | TRY 0 | TRY 660,000 | TRY 0 | TRY 4,188,080 |
| 82 | Retirement | TRY 0 | TRY 76,209 | TRY 0 | TRY 660,000 | TRY 0 | TRY 3,604,288 |
| 83 | Retirement | TRY 0 | TRY 64,762 | TRY 0 | TRY 660,000 | TRY 0 | TRY 3,009,050 |
| 84 | Retirement | TRY 0 | TRY 53,090 | TRY 0 | TRY 660,000 | TRY 0 | TRY 2,402,140 |
| 85 | Retirement | TRY 0 | TRY 41,190 | TRY 0 | TRY 660,000 | TRY 0 | TRY 1,783,331 |
| 86 | Retirement | TRY 0 | TRY 29,057 | TRY 0 | TRY 660,000 | TRY 0 | TRY 1,152,387 |
| 87 | Retirement | TRY 0 | TRY 16,685 | TRY 0 | TRY 660,000 | TRY 0 | TRY 509,072 |
| 88 | Retirement | TRY 0 | TRY 4,279 | TRY 0 | TRY 513,352 | TRY 146,648 | TRY 0 |
| 89 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
| 90 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
| 91 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
| 92 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
| 93 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
| 94 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
| 95 | Retirement | TRY 0 | TRY 0 | TRY 0 | TRY 0 | TRY 660,000 | TRY 0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
A lira budget with a later pension start
Our worked example separates the years before an entered pension begins from the years after it starts. Every amount and age is invented. It is a calculation illustration, not a typical pension, an entitlement estimate or a recommended retirement age. High-inflation assumptions are stress tests, not forecasts. Constant real pension income may be optimistic if actual adjustments lag prices.
Read the full exampleUnderstand the pension system
Türkiye
Common questions
Does the calculator predict Turkish pension indexation?
No. It assumes constant purchasing power for entered payments. It does not forecast inflation, pension revisions or exchange rates.
Which money can I count as savings?
Include only capital you can draw on for this plan, after allowing for access restrictions and taxes outside the model. Exclude property you will not sell and assets already used to fund an entered pension payment. Future lump sums are not modelled.
Do pension payments keep pace with inflation?
The illustration holds payments constant in today's purchasing power. Your actual pension may have different increases, caps or no indexation. Test a lower real payment as a separate scenario if needed; this tool does not forecast those rules.
Are my financial inputs stored?
Your figures are calculated in your browser. They are not uploaded or saved in the address bar. Only public, invented example identifiers appear in example links. CSV exports are created on your device.
Methodology · 1.0
Methodology
12-month retirement spending estimate
Already retired? Set the stop-work age equal to your current age to estimate the next 12 months. Otherwise the estimate starts at your chosen retirement age.
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
How this budget is calculated ↗
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
Official sources & pension overviews
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.